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Freedom Mortgage Corporation in Georgia

HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview

LEI 549300LYRWPSYPK6S325
Reporting agency Department of Housing and Urban Development
State Georgia

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Georgia, Freedom Mortgage Corporation reported 7,171 applications and 3,379 originations for 2024, $1.1bn in all.

Its denial rate in the state was 15.3%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 16.2%.

The median rate spread on its Georgia originations was 0.2 percentage points (state median 0.4).

Applications in the state were up 123% on 2023.

7,171applications in GA, 20245.9% of the lender's total
3,379loans originated$1.1bn
15.3%denial rateGA all lenders 26.9%
0.2 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersFreedom Mortgage Corporation, all statesUnited States
Denial rate15.3%26.9%16.2%24.3%
Median rate spread, pp0.20.40.20.3
Originations with spread of 1.5 pp or more1.7%17.5%2.7%15.6%
Average originated loan$315k$313k$340k$329k
Home purchase share26.9%57.0%33.5%57.0%
FHA-insured share42.3%18.3%40.4%13.4%
VA-guaranteed share50.2%11.6%47.9%7.9%

Trend by year

ApplicationsOriginations

03,9587,9162022: 7,916 Applications2023: 3,214 Applications2024: 7,171 Applications2022: 3,478 Originations2023: 1,356 Originations2024: 3,379 Originations202220232024
Freedom Mortgage Corporation in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%14.2%28.4%2022: 14.6% This lender in state2023: 23.8% This lender in state2024: 15.3% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 27% (908)Refinancing 43% (1,439)Cash-out refinancing 30% (1,025)Other purpose 0% (7)

By type

Conventional 7% (252)FHA 42% (1,429)VA 50% (1,696)USDA 0% (2)

Denial reasons as coded

Collateral35.4%
Debt-to-income ratio22.1%
Credit history20.6%
Other10.2%
Unverifiable information4.4%
Insufficient cash (downpayment, closing costs)3.6%
Credit application incomplete2%
Employment history1.7%
Mortgage insurance denied0%

Share of 689 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Gwinnett County614256$94m17.9%
Fulton County464192$70m18.6%
Cobb County393181$65m16.9%
DeKalb County408156$47m25.0%
Henry County343154$53m17.0%
Paulding County230117$39m12.0%
Columbia County209105$34m17.6%
Clayton County188100$24m16.2%
Houston County20698$29m9.6%
Cherokee County16495$37m9.6%
Muscogee County18489$23m12.0%
Newton County16884$25m19.8%
Liberty County15983$22m8.3%
Chatham County20181$26m16.7%
Douglas County18481$28m17.9%
Richmond County16680$18m18.6%
Forsyth County13773$32m12.1%
Coweta County12768$24m5.0%
Rockdale County12356$17m15.3%
Hall County10753$20m13.8%
Walton County9751$18m16.4%
Lowndes County9250$13m14.1%
Camden County9250$14m13.2%
Carroll County9348$13m9.8%
Barrow County8246$13m7.1%
Long County7642$12m13.7%
Effingham County9838$10m15.8%
Fayette County8338$17m8.3%
Glynn County6838$13m12.5%
Bryan County6237$15m17.0%
Bartow County7834$11m12.2%
Spalding County6228$7.7m10.5%
Jackson County6028$11m17.6%
Catoosa County5328$7.3m16.2%
Harris County4624$8.1m13.3%
Pickens County2621$7.5m—
Bibb County5320$4.4m23.3%
Floyd County4619$5.0m19.2%
Walker County4019$4.4m18.5%
Bulloch County2819$4.7m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Freedom Mortgage Corporation originate in Georgia in 2024?

3,379 loans totalling $1.1bn, from 7,171 applications reported for properties in Georgia.

What is Freedom Mortgage Corporation's denial rate in Georgia?

15.3% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 16.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Georgia counties does Freedom Mortgage Corporation lend in most?

By originations: Gwinnett County (256), Fulton County (192), Cobb County (181), DeKalb County (156), Henry County (154).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.